13F COMBINATION REPORT

RAM Investment Partners, LLC

Quarter ended Q4 2025 · Filed February 12, 2026 · Accession 0001989672-26-000001

Total Value

$553.0M

Positions

152

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (152)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	DIMENSIONAL ETF TRUST	25434V708	2,731,780	$108.2M	19.56%
2	DIMENSIONAL ETF TRUST	25434V203	1,857,465	$70.8M	12.80%
3	MICROSOFT CORP	MSFT	105,718	$51.1M	9.25%
4	PIMCO ETF TR	72201R817	470,404	$46.0M	8.32%
5	DIMENSIONAL ETF TRUST	25434V864	952,008	$45.6M	8.25%
6	DIMENSIONAL ETF TRUST	25434V302	1,288,728	$42.0M	7.59%
7	DIMENSIONAL ETF TRUST	25434V823	1,355,398	$31.0M	5.61%
8	DIMENSIONAL ETF TRUST	25434V849	509,229	$24.5M	4.44%
9	AMAZON COM INC	AMZN	46,901	$10.8M	1.96%
10	COSTCO WHSL CORP NEW	22160K105	7,935	$6.8M	1.24%
11	ALPHABET INC	GOOG	20,200	$6.3M	1.15%
12	NVIDIA CORPORATION	NVDA	33,422	$6.2M	1.13%
13	DIMENSIONAL ETF TRUST	25434V716	121,104	$5.3M	0.95%
14	DIMENSIONAL ETF TRUST	25434V690	121,930	$5.2M	0.94%
15	DIMENSIONAL ETF TRUST	25434V880	157,292	$5.1M	0.93%
16	APPLE INC	AAPL	16,066	$4.4M	0.79%
17	ORACLE CORP	ORCL-PD	22,043	$4.3M	0.78%
18	ROBLOX CORP	RBLX	51,217	$4.2M	0.75%
19	VANGUARD MALVERN FDS	922020805	75,444	$3.7M	0.67%
20	DIMENSIONAL ETF TRUST	25434V674	59,084	$3.1M	0.55%
21	AMERICAN CENTY ETF TR	025072885	26,710	$3.0M	0.54%
22	BROADCOM INC	AVGO	8,168	$2.8M	0.51%
23	DIMENSIONAL ETF TRUST	25434V682	67,844	$2.8M	0.51%
24	AMERICAN CENTY ETF TR	025072703	26,477	$2.2M	0.39%
25	ALPHABET INC	GOOG	6,812	$2.1M	0.39%
26	META PLATFORMS INC	META	3,007	$2.0M	0.36%
27	DIMENSIONAL ETF TRUST	25434V781	49,843	$1.9M	0.34%
28	TESLA INC	TSLA	4,197	$1.9M	0.34%
29	PACCAR INC	PCAR	15,354	$1.7M	0.30%
30	LAM RESEARCH CORP	LRCX	9,793	$1.7M	0.30%
31	DIMENSIONAL ETF TRUST	25434V401	21,830	$1.6M	0.29%
32	DIMENSIONAL ETF TRUST	25434V815	45,728	$1.5M	0.27%
33	VANGUARD INDEX FDS	922908769	4,274	$1.4M	0.26%
34	DIMENSIONAL ETF TRUST	25434V724	29,014	$1.4M	0.24%
35	ABBVIE INC	ABBV	5,311	$1.2M	0.22%
36	VANGUARD INDEX FDS	922908363	1,880	$1.2M	0.21%
37	DIMENSIONAL ETF TRUST	25434V765	35,610	$1.1M	0.20%
38	AMERICAN CENTY ETF TR	025072604	14,161	$1.1M	0.20%
39	VANGUARD WORLD FD	92204A702	1,422	$1.1M	0.19%
40	SPDR S&P 500 ETF TR	SPY	1,533	$1.0M	0.19%
41	DIMENSIONAL ETF TRUST	25434V831	26,400	$1.0M	0.18%
42	VANGUARD TAX-MANAGED FDS	921943858	15,115	$944,208	0.17%
43	PORCH GROUP INC	PRCH	95,490	$871,824	0.16%
44	INVESCO QQQ TR	IVZ	1,414	$868,447	0.16%
45	BERKSHIRE HATHAWAY INC DEL	BRK-A	1,708	$858,526	0.16%
46	ISHARES TR	464287200	1,234	$845,418	0.15%
47	NIKE INC	NKE	12,667	$807,060	0.15%
48	DIMENSIONAL ETF TRUST	25434V633	15,842	$793,371	0.14%
49	INVESCO EXCH TRADED FD TR II	IVZ	6,147	$733,479	0.13%
50	VANGUARD INDEX FDS	922908736	1,457	$710,812	0.13%
51	NVIDIA CORPORATION	NVDA	3,692	$688,558	0.12%
52	DIMENSIONAL ETF TRUST	25434V807	13,737	$685,465	0.12%
53	ABBOTT LABS	ABLZF	5,378	$673,810	0.12%
54	DIMENSIONAL ETF TRUST	25434V609	11,226	$668,396	0.12%
55	VANGUARD STAR FDS	921909768	8,767	$661,382	0.12%
56	APPLE INC	AAPL	2,391	$650,017	0.12%
57	ISHARES TR	464288414	5,732	$613,955	0.11%
58	NUSHARES ETF TR	NU	6,062	$592,912	0.11%
59	VANGUARD WORLD FD	921910733	4,878	$590,066	0.11%
60	VISA INC	V	1,655	$580,425	0.10%
61	DIMENSIONAL ETF TRUST	25434V617	7,624	$564,025	0.10%
62	APPLIED MATLS INC	038222105	1,968	$505,756	0.09%
63	MICROSOFT CORP	MSFT	1,037	$501,514	0.09%
64	SALESFORCE INC	CRM	1,818	$481,607	0.09%
65	SPDR GOLD TR	GLD	1,109	$439,471	0.08%
66	VANGUARD INTL EQUITY INDEX F	922042742	2,968	$418,733	0.08%
67	VANGUARD INDEX FDS	922908629	1,437	$417,056	0.08%
68	ISHARES TR	464287432	4,718	$411,221	0.07%
69	VANGUARD WHITEHALL FDS	921946885	5,999	$404,508	0.07%
70	JOHNSON & JOHNSON	JNJ	1,928	$399,071	0.07%
71	LATTICE STRATEGIES TR	518416409	6,681	$385,561	0.07%
72	VANGUARD SCOTTSDALE FDS	92206C409	4,720	$376,326	0.07%
73	NETFLIX INC	NFLX	3,928	$368,289	0.07%
74	VANGUARD BD INDEX FDS	921937835	4,956	$367,068	0.07%
75	AMAZON COM INC	AMZN	1,549	$357,540	0.06%
76	VANGUARD INTL EQUITY INDEX F	922042858	6,611	$355,403	0.06%
77	STARBUCKS CORP	SBUX	4,139	$348,512	0.06%
78	MASTERCARD INCORPORATED	MA	599	$341,957	0.06%
79	ISHARES TR	46432F834	3,955	$334,751	0.06%
80	JPMORGAN CHASE & CO.	VYLD	1,035	$333,498	0.06%
81	NURIX THERAPEUTICS INC	NRIX	17,284	$327,877	0.06%
82	DIMENSIONAL ETF TRUST	25434V666	9,149	$312,987	0.06%
83	ISHARES TR	464287622	836	$312,196	0.06%
84	ISHARES TR	464288513	3,865	$311,645	0.06%
85	FIDELITY COVINGTON TRUST	316092840	5,232	$296,602	0.05%
86	SCHWAB CHARLES CORP	SCHW-PJ	2,945	$294,235	0.05%
87	PALANTIR TECHNOLOGIES INC	PLTR	1,590	$282,623	0.05%
88	VANGUARD INDEX FDS	922908744	1,439	$274,854	0.05%
89	SCHWAB STRATEGIC TR	808524201	10,149	$273,113	0.05%
90	ISHARES INC	46434G103	3,952	$265,653	0.05%
91	BROADCOM INC	AVGO	757	$261,998	0.05%
92	MARRIOTT INTL INC NEW	571903202	832	$258,120	0.05%
93	ISHARES TR	464287465	2,604	$250,076	0.05%
94	WASTE MGMT INC DEL	94106L109	1,101	$241,901	0.04%
95	DIMENSIONAL ETF TRUST	25434V500	3,470	$241,734	0.04%
96	DIMENSIONAL ETF TRUST	25434V773	7,176	$236,377	0.04%
97	ALPHABET INC	GOOG	749	$234,437	0.04%
98	COLGATE PALMOLIVE CO	CL	2,895	$228,762	0.04%
99	ISHARES TR	464288307	2,865	$228,742	0.04%
100	INVESCO EXCHANGE TRADED FD T	IVZ	1,159	$222,018	0.04%
101	FIDELITY COVINGTON TRUST	31609A503	5,927	$215,618	0.04%
102	VANGUARD INDEX FDS	922908611	1,004	$212,725	0.04%
103	META PLATFORMS INC	META	311	$205,288	0.04%
104	ISHARES TR	464287804	1,702	$204,546	0.04%
105	EXPEDITORS INTL WASH INC	302130109	1,304	$194,309	0.04%
106	AT&T INC	T-PC	7,314	$181,679	0.03%
107	ELI LILLY & CO	LLY	169	$181,621	0.03%
108	ENDAVA PLC	DAVA	26,601	$168,118	0.03%
109	ALPHABET INC	GOOG	526	$165,059	0.03%
110	JPMORGAN CHASE & CO.	VYLD	489	$157,566	0.03%
111	T-MOBILE US INC	TMUSZ	773	$156,950	0.03%
112	CINTAS CORP	CTAS	830	$156,098	0.03%
113	THERMO FISHER SCIENTIFIC INC	TMO	265	$153,554	0.03%
114	AUTOMATIC DATA PROCESSING IN	ADP	585	$150,588	0.03%
115	TESLA INC	TSLA	332	$149,307	0.03%
116	AMERICAN EXPRESS CO	AXP	369	$136,511	0.02%
117	ADVANCED MICRO DEVICES INC	AMD	636	$136,277	0.02%
118	CSX CORP	CSX	3,702	$134,198	0.02%
119	MICRON TECHNOLOGY INC	MU	450	$128,434	0.02%
120	BERKSHIRE HATHAWAY INC DEL	BRK-A	244	$122,647	0.02%
121	WALMART INC	WMT	1,071	$119,320	0.02%
122	BANK AMERICA CORP	060505104	2,060	$113,300	0.02%
123	VISA INC	V	308	$108,019	0.02%
124	CISCO SYS INC	CSCO	1,351	$104,063	0.02%
125	EXXON MOBIL CORP	XOM	826	$99,401	0.02%
126	RTX CORPORATION	RTX	513	$94,084	0.02%
127	LAM RESEARCH CORP	LRCX	537	$91,924	0.02%
128	MASTERCARD INCORPORATED	MA	153	$87,345	0.02%
129	COSTCO WHSL CORP NEW	22160K105	89	$76,748	0.01%
130	JOHNSON & JOHNSON	JNJ	361	$74,709	0.01%
131	CATERPILLAR INC	CAT	128	$73,327	0.01%
132	NETFLIX INC	NFLX	764	$71,633	0.01%
133	ABBVIE INC	ABBV	306	$69,918	0.01%
134	ELI LILLY & CO	LLY	65	$69,854	0.01%
135	WALMART INC	WMT	627	$69,854	0.01%
136	EXXON MOBIL CORP	XOM	565	$67,992	0.01%
137	GE AEROSPACE	369604301	214	$65,918	0.01%
138	ORACLE CORP	ORCL-PD	327	$63,736	0.01%
139	PALANTIR TECHNOLOGIES INC	PLTR	337	$59,902	0.01%
140	SALESFORCE INC	CRM	225	$59,605	0.01%
141	INTERNATIONAL BUSINESS MACHS	INTR	179	$52,997	0.01%
142	CATERPILLAR INC	CAT	83	$47,549	0.01%
143	MARRIOTT INTL INC NEW	571903202	110	$34,126	0.01%
144	ABBOTT LABS	ABLZF	264	$33,077	0.01%
145	APPLIED MATLS INC	038222105	102	$26,213	0.00%
146	SCHWAB CHARLES CORP	SCHW-PJ	219	$21,880	0.00%
147	STARBUCKS CORP	SBUX	185	$15,579	0.00%
148	WASTE MGMT INC DEL	94106L109	52	$11,425	0.00%
149	NIKE INC	NKE	179	$11,404	0.00%
150	COLGATE PALMOLIVE CO	CL	78	$6,164	0.00%
151	PACCAR INC	PCAR	28	$3,066	0.00%
152	ROBLOX CORP	RBLX	29	$2,350	0.00%